The CenLA FCU Visa® Platinum Card is a personal credit card from CenLA FCU Visa® Platinum Card. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 9.9% to 12.6% after a 0.00% introductory rate for 6 months. Approval typically requires a credit score of null or higher. Signup bonus: null. Rewards: Earn points on all of your everyday purchases that can be redeemed for travel, merchandise, or gift cards.. Cash back: null.